HUD | HUD.gov / U.S. Department of Housing and Urban Development (HUD)
Appendix 3
Claim Filing Assistance for Loss Mitigation Claims
General Information:
Mortgagees shall reference the same FHA Connection Screens that are currently used for filing standard Loss Mitigation Claims when filing claims for both the HAMP Loan Modification and the HAMP Partial Claim. Mortgagees will find the following Loss Mitigation Claim selections:
• 31 Special Forbearance incentive
• 32 Loan Modification incentive
• ** HAMP-Loan Modification incentive
• 33 Partial Claim (subordinate mortgage)
• ** HAMP-Partial Claim (subordinate mortgage)
Mortgagees are reminded that they are fully responsible for the accuracy of all claims they file. Electronic submission of the claim constitutes certification that the statements and information contained in the claim are true and correct. Access to this function is granted only upon mortgagee's request. The transmitter's ID will be stored with incoming transmissions.
Because the Mortgagee’s FHA Connection Coordinator oversees the release of user IDs to their employees, it is their responsibility to control who can file claims on their behalf. It is therefore extremely important that Mortgagees carefully select their application coordinators and ensure that they conscientiously keep track of all users, promptly terminating any who have left the company, and updating authorizations when appropriate.
As with all FHA claim submissions, there are several checks on incoming claim transmissions to verify that they are submitted by a valid user. The FHA Connection user ID is validated and the corresponding mortgagee ID must be either the holder or servicer displayed on the claim submission. As with all claims, the holder and servicer numbers on the claim must match the information in HUD’s database. If discrepant, the claim cannot be successfully transmitted. Mortgagees have the option of updating HUD’s records with the correct holder and servicer information using either EDI Transaction Set 266 (Mortgage Record Change) or the Mortgage Record Change selection on the FHA Connection.
Claim input screens reference data items with the same item number from the HUD 27011, Parts A and B. Where the system logic identifies what appears to be an invalid entry, the Claim will not be accepted and Error messages will appear. The system logic will also provide warnings to inform that an entry is questionable. These warnings are intended to prevent transmission errors.
Data Entry Instructions:
|Data Item |Valid Formats |Description |
|1. Claim Type |Select appropriate claim type from |(Required) |
| |pull-down menu | |
|2. FHA Case Number |NNN-NNNNNNN |(Required) |
| | |Enter full FHA Case Number assigned to loan, including |
| | |check digit if known. If unknown, enter "X" for check |
| | |digit. |
|New Claim/Correction/Comments |Select appropriate radio button |(Required) |
| | |Select "New Claim" if submitting claim for first time. |
| | |Select "Correction" if submitting correction for previously|
| | |transmitted claim. Select "Comments" if submitting comments|
| | |only |
|3. Section of Act Code |NNNN |Enter the ADP Section of Act code with leading zero. |
|4. Default Reason Code |Select appropriate default reason from |(Required) |
| |pull-down menu |Valid codes are: 1-17, 19, 22-23, 26-27, 29-31, IN. |
|5. Endorsement Date |MM/DD/YYYY |(Required) |
|6. Date Form Prepared |MM/DD/YYYY |(Required) |
|7. Due Date of First Payment to Principal and |MM/DD/YYYY for (a) and (b). |(a). Enter the due date of first payment to principal and |
|Interest. | |interest for the original loan for all claims. |
|(a). Original | |(b). For loan modifications only, enter the new first |
|(b). Modified | |payment date of the modified loan. |
|8. Due Date of Last Complete Installment Paid |MM/DD/YYYY |(Required) |
| | |Enter due date of last complete installment paid by the |
| | |mortgagor. |
| |MM/DD/YYYY |(Required) |
|9. Agreement Date | |Claim type 31: Enter date special forbearance agreement is |
| | |executed. |
| | |Claim type 32 and HAMP Loan Modification: Enter date loan |
| | |modification is executed. |
| | |Claim type 33 and HAMP Partial Claim: Enter date |
| | |subordinate mortgage is executed. |
|11. Date Foreclosure Proceeding: |MM/DD/YYYY |(Optional) |
|(a). Instituted | |If applicable: |
|(b). Deed in Lieu | |(a) Enter the date foreclosure was initiated. |
| | |(b) Enter the date the Deed in Lieu was obtained. |
|12. Holding Mortgagee Number |Ten numeric characters |(Required) |
| | |Enter the HUD ID for the mortgage holder |
|13. Servicer Mortgagee Number |Ten numeric characters |(Required) |
| | |Enter the HUD ID for the servicer |
|14. Mortgagee Reference Number |Up to 15 alphanumeric characters |(Required) |
| | |Enter mortgagee's loan number |
|15. Mortgage Amount: |NNNNNNN.NN |(Required) |
|(a). Original |Numeric entry with 2 decimal places; do |(a) For all claim types, enter original mortgage amount. |
|(b). Modified |not enter $ sign or commas. |(b) For claim type 32 and HAMP Loan Modification, enter the|
| | |new modified mortgage amount. |
|17. Unpaid Loan Balance as of date in block 8. |NNNNNNN.NN |(Required) |
| |Numeric entry with 2 decimal places; do |Enter the unpaid principal balance as of the due date of |
| |not enter $ sign or commas. |last complete installment paid. |
|20. Date of Extension |MM/DD/YYYY |(Reserved). |
| | |To be used only upon instructions from HUD. |
|22. Is Property Vacant? |Select appropriate radio button |"No" is default selection. |
|33. Mortgagor Name |Up to 22 alpha characters allowed for |(Required) |
| |combined last and first name. | |
|33. Mortgagor/Co-Mortgagor's SSN |NNN-NN-NNNN |(Required) |
| | |Enter social security number(s) with dashes. |
|33. Property Street |Up to 19 alphanumeric characters |(Required) |
|33. Property City |Up to 18 alpha characters |(Required) |
|33. Property Address: State |Select state from pull-down menu |(Required) |
|33. Property Zip Code |5 digits plus 4 digits |(Required) |
| | |First 5 digits required. |
|39. Monthly payment to: |Numeric entry with 2 decimal places. Do |Required for claim type 33 and HAMP Partial Claim. |
|(a). FHA Insurance |not enter commas or $ sign. | |
|39. Monthly payment to: |Numeric entry with 2 decimal places. Do |Required for claim type 33 and HAMP Partial Claim. |
|(b). Taxes |not enter commas or $ sign. | |
|39. Monthly payment to: |Numeric entry with 2 decimal places. Do |Required for claim type 33 and HAMP Partial Claim. |
|(c). Hazard Insurance |not enter commas or $ sign. | |
|39. Monthly payment to: |Numeric entry with 2 decimal places. Do |Required for claim type 33 and HAMP Partial Claim. |
|(d). Interest & Principal |not enter commas or $ sign. | |
|45. Modified Interest Rate |NN.NNN |Required for claim type 32 and HAMP Loan Modification. |
| |examples: 7.5, 8.125, 10.25 |Enter new interest rate of modified loan. |
|46. New Maturity Date |MM/DD/YYYY |Required for claim type 32 and HAMP Loan Modification. |
| | |Enter new maturity date of modified loan. |
|47. Last ARM Rate |NN.NNN |Required for claim type 32 and HAMP Loan Modification. |
| |examples: 7.5, 8.125, 10.25 | |
|107. Adjustment to loan balance (Partial Note Amount)|Numeric entry with 2 decimal places. Do |Required for claim type 33 and HAMP Partial Claim. |
| |not enter commas or $ sign. | |
|113. Foreclosure, acquisition, conveyance and other |Numeric entry with 2 decimal places. Do |Optional. Use only for claim type 32. |
|costs (Title Search Fee) |not enter commas or $ sign. | |
|129. Administrative Fee |Numeric entry with 2 decimal places. Do |Required for claim type 31. |
| |not enter commas or $ sign. | |
|135. Total Claim Amount |Numeric entry with 2 decimal places. Do |(Required) |
| |not enter commas or $ sign. | |
|Contact Information: |Numeric. |(Required) |
|Phone |3 digit area code, 7 digit phone number |Enter phone number of mortgagee contact. Include area code |
| |(omit dash). Extension of up to 4 digits, |and extension, if applicable. Do not include dashes. |
| |if applicable. | |
|Contact Information: |Alphanumeric characters, up to maximum of |(Required) |
|Name |20. |Enter name of mortgagee contact. |
|Mortgagee Comments |Alphanumeric characters, up to maximum of |(Optional). |
| |420. | |
Error and Warning Messages
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When the SUBMIT button is hit, the data will be subjected to editing. First the data will be edited item by item, independent of any link with HUD's database (Client-side edits). If an error is detected, editing will stop at that point and an error message will be displayed. The two types of messages that may result from this editing are:
1. Client-side Errors will not allow claim submission until the erroneous input data is corrected.
2. Client-side Warnings that raise a question about data, but do not prevent user from sending it as is. These warning messages offer two choices:
o CANCEL to return to the data element and fix it
o OK to allow data to remain as is and continue with the transmission.
When the claim data successfully passes these edits and is submitted, another series of edits, using links with HUD's database, are applied (Server-side Errors). These edits verify that the user is authorized for various functions, that the mortgagee information on the claim matches HUD's records, and that the loan is insured.
Error messages and explanations follow:
Client-side Errors requiring correction of data:
Claim Type
"Claim Type must be 31, 32, ** HAMP-Loan Modification, 33, or ** HAMP Partial Claim"
FHA Case Number
"Case Number cannot be null"
"Valid Case Number format is nnn-nnnnnnn"
"Check Digit Error"
Section of Act Code (if entered)
"Section of Act must be numeric"
Default Reason Code
"Default Reason Code is not selected"
Endorsement Date Related
General Date Edits
"Endorsement Date cannot be greater than Current Date"
Date Form Prepared Related
General Date Edits
"Date Form Prepared cannot be greater than Current Date"
Due Date First Payment to Principal and Interest Related
General Date Edits
"Original First Payment Date cannot be greater than Current Date"
"Modified First Payment Date is valid for Claim Type 32 only. Please clear the field"
Due Date of Last Complete Installment Paid Related
General Date Edits
"Last Payment Date cannot be greater than Current Date"
"Last Payment Date cannot be less than First Payment Date"
"Due Date of Last Complete Installment cannot be greater than Current Date"
Agreement Date Related
General Date Edits
Date Foreclosure Proceeding Related
General Date Edits
"Foreclosure Instituted Date cannot be greater than Current Date"
"Date of Extension cannot be greater than Current Date"
Holder Related
"Holding Mortgagee Number is missing"
"Holding Mortgagee Number must be numeric"
"Holding Mortgagee Number must be 10 characters"
Servicer Related
"Servicer Mortgagee Number is missing"
"Servicer Mortgagee Number must be numeric"
"Servicer Mortgagee Number must be 10 characters"
Mortgagee Reference Number Related
"Mortgagee Reference Number contains illegal character(s)"
Mortgage Amount Related
"Amount cannot be negative or zero"
"Invalid characters in Original Mortgage Amount"
"Original Mortgage Amount is missing"
"Invalid characters in Modified Mortgage Amount"
"Modified Mortgage Amount is missing"
"Modified Mortgage Amount is valid for Claim Type 32 only. Please clear the field"
Unpaid Loan Balance Related
"Invalid characters in Unpaid Loan Balance"
"Unpaid Loan Balance is missing"
Mortgagor Related
"Mortgagor Last Name is missing"
"Mortgagor First Name is missing"
Mortgagor/Co-mortgagor SSN Related
"Mortgagor's SSN is missing"
"Invalid SSN length; SSN must be in NNN-NN-NNNN format"
"Invalid characters in SSN; SSN must be in NNN-NN-NNNN format"
"Invalid SSN; SSN cannot be 000-00-0000 or 999-99-9999"
"Invalid SSN format; SSN must be NNN-NN-NNNN format"
Property Address Related
"Property Street is missing"
"Property City is missing"
"Property State must be selected"
"Property Zip Code is missing"
"Property Zip Code must be numeric"
"Property Zip Code must be 5 digits"
"Property Zip Code Extension must be numeric"
"Property Zip Code Extension must be 4 digits"
Contact Info Related
"Contact Phone Number must be entered"
"Area Code must be 3 digits"
"Contact Phone Number must be 3 + 7 = 10 digits"
"Area Code must be numeric"
"Contact Phone Number must be numeric"
"Extension must be numeric"
"Contact Name must be entered"
Mortgagee Comments Related
"Comments must be entered (for Comments Only transmissions)"
Monthly Payment Related
"Invalid characters in FHA Insurance Monthly Payment"
"Invalid characters in Taxes to Monthly Payment"
"Invalid characters in Hazard Insurance Monthly Payment"
"Invalid characters in Interest Principal Monthly Payment"
Interest Rate Related
"Invalid characters in Modified Interest Rate"
"Modified Interest Rate is missing"
"Modified Interest Rate is valid for Claim Type 32 only. Please clear the field"
"Invalid characters in the Last ARM Rate"
"New Maturity Date is valid for Claim Type 32 only. Please clear the field"
Adjustment to Loan Balance Related
"Invalid characters in Adjustment to Loan Balance"
"Adjustments to Loan Balance is missing"
"Adjustment to Loan Balance is not allowed for Claim Type 31. Please clear the field"
"Adjustment to Loan Balance is not allowed for Claim Type 32. Please clear the field"
Foreclosure, Acquisition, Conveyance, and Other Related
"Invalid characters in Foreclosure, Acquisition, Conveyance, and other costs
"Title Search Fee is not allowed for Claim Type 31. Please clear the field
"Title Search Fee is not allowed for Claim Type 33. Please clear the field
Administrative Fee
"Invalid characters in Additional Closing Costs (Administrative Fee)"
"Additional Closing Costs (Administrative Fee) is missing"
Total Claim Amount
"Invalid characters in Net Claim Amount (Total Claim Amount)"
"Invalid Net Claim Amount"
"Net Claim Amount (Total Claim Amount) is missing"
Date Related
"Field Name + must be entered"
"Year cannot be null"
"Year must be 4 digits"
"Year must be numeric"
"Month cannot be null"
"Month must be numeric"
"Month must be between 01 and 12"
"Days cannot be null"
"Invalid day"
"Day must be numeric"
"Day must be between 01 and 31"
"Day must be between 01 and 30"
"Date cannot be earlier than 1950"
Client-side Warnings
"You will lose all the fields entered if you proceed. Do you wish to continue?"
"Original First Payment Date should be first of the month!! Choose CANCEL to fix or OK to continue"
"Modified First Payment Date should be first of the month!! Choose CANCEL to fix or OK to continue"
"Field Name + can not be greater than Date Form Prepared!! Choose CANCEL to fix or OK to continue"
"Field Name + should be between 3 and 12 months from Due Date of Last Complete Installment Paid!!" Choose CANCEL to fix or OK to continue"
"Field Name + should be greater than or equal to 2 months from Due Date of Last Complete Installment Paid!! Choose CANCEL to fix or OK to continue"
"For Special Forbearance claim, Additional closing costs (Administrative Fee) should be $100 or $200!! Choose CANCEL to fix or OK to continue"
Server-side Errors
Connection Related
Database Error Encountered - Try Again Later
IMS Database Error Encountered - Try Again Later
IMS PSB Error Encountered - Try _Again Later
ZZZ; Pipe Error - Try Again Later
Access Authorization Related
Unauthorized User; Please Leave
Not Actively Authorized
Not Authorized for Claims Input
Not Authorized for Claims Input
The claim cannot be accepted because HUD's records show that the loan is uninsured. Please submit a copy of the Mortgage or Deed of Trust Note so that the case can be submitted to IOD for resolution
"Unmatched Agency"
Neither the holder or servicer on the claim match the mortgagee ID under which the user is registered
"You have already submitted this claim today. If you have made any corrections since then, submit a correction claim (Note: the original claim will be ignored)
"Holding Mortgagee Error"
The holding mortgagee number in item 12 does not match the holder number in HUD's records. Please correct the claim or HUD's records
"Servicer Mortgagee Error"
The Servicing mortgagee number in item 13 does not match the servicer number in HUD's records. Please correct the claim or HUD's records
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